XlentPay set out to launch a branded money app with multi-currency accounts, local & cross-border transfers, and prepaid cards—without rebuilding core banking. Finhost delivered the app and back-office on our white-label stack, integrated an issuing partner for virtual and physical prepaid cards from day one, and aligned ledgers and settlement so operations stay clean.
Objectives
- Launch a branded consumer/business app quickly.
- Offer multi-currency balances (hold/convert/spend).
- Enable local & global payments with clear statuses.
- Ship prepaid cards (virtual & physical) early to drive daily spend.
What We Built (Scope)
- Web & mobile apps: unified branded UX; sensitive card data shown on-demand, never stored client-side.
- Accounts: hold in supported currencies; convert in-app with clear quotes before confirming.
- Payments: domestic and cross-border transfers with status tracking and notifications.
- Prepaid cards: virtual and physical available from day one; in-app activation for physical, freeze/unfreeze, spend limits, ATM toggle (if enabled).
- Onboarding & compliance: streamlined KYC/KYB before card activation and transfers.
- Back-office: card status changes, limits, fee setup, settlement views, and basic reconciliation tools.
Architecture Snapshot
- Finhost white-label core as the application backbone.
- Issuing partner integration for prepaid Visa/Mastercard (virtual & physical).
- Payments connectors for local and cross-border rails.
- FX engine for quotes, conversion, and postings.
- Back-office console for operations, compliance, and support.
Implementation Timeline
- Discovery & design: ~1–2 weeks (flows, branding, scope).
- Build & integrations: ~3–6 weeks (apps, issuer, payments, FX).
- Go-live: cards and payments staged; prepaid program in ~1 month typical with our issuing integration.
Launch a Similar App with Finhost
Finhost is a white-label core banking platform. We deliver the apps, the back-office, and the integrations you need to ship multi-currency accounts, payments, and prepaid cards quickly—without reinventing the core.
Talk to Finhost about building your own branded money app on a fast timeline.